CN106780049B - Vehicle financial credit granting method and device - Google Patents
Vehicle financial credit granting method and device Download PDFInfo
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- CN106780049B CN106780049B CN201611109313.6A CN201611109313A CN106780049B CN 106780049 B CN106780049 B CN 106780049B CN 201611109313 A CN201611109313 A CN 201611109313A CN 106780049 B CN106780049 B CN 106780049B
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Abstract
The embodiment of the invention discloses a vehicle financial credit granting method and device. The method comprises the following steps: acquiring static data of commercial vehicles; determining operation parameters of the commercial vehicle according to the running track of the commercial vehicle; determining the operation cost of the commercial vehicle according to the static data, the operation parameters and a pre-constructed cost calculation model of the commercial vehicle, wherein the operation cost comprises oil charge, maintenance charge, wear depreciation charge, high-speed charge and insurance charge; and determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle. According to the technical scheme provided by the embodiment of the invention, the credit granting data is determined according to the operation cost, so that the high matching degree between the credit granting data and the repayment capacity of the user is improved, and the user experience is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of data processing, in particular to a vehicle financial credit granting method and device.
Background
The big data of the Internet of vehicles is widely applied to the fields of logistics, financial insurance and the like, wherein the implementation mode which is most urgent and easy to implement is the application of financial credit.
The existing vehicle financial credit granting method mainly determines credit granting data of a vehicle according to vehicle value and past credit records of a user to which the vehicle belongs. However, due to the lack of past credit records of the new user, effective credit cannot be given to the new user, and the matching degree between the credit data and the repayment capacity of the user is low because the credit data of the vehicle is determined only according to the value of the vehicle and the past credit records. Therefore, the existing financial credit granting method is too simple to meet the user requirements.
Disclosure of Invention
The embodiment of the invention provides a vehicle financial credit granting method and device, which aim to pass the matching degree between vehicle financial credit granting and user repayment capacity.
In one aspect, an embodiment of the present invention provides a vehicle financial credit granting method, including:
acquiring static data of commercial vehicles;
determining operation parameters of the commercial vehicle according to the running track of the commercial vehicle;
determining the operation cost of the commercial vehicle according to the static data, the operation parameters and a pre-constructed cost calculation model of the commercial vehicle, wherein the operation cost comprises oil charge, maintenance charge, wear depreciation charge, high-speed charge and insurance charge;
and determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle.
On the other hand, the embodiment of the invention also provides a vehicle financial credit granting device, which comprises:
the static data acquisition module is used for acquiring static data of the commercial vehicle;
the operation parameter determination module is used for determining operation parameters of the commercial vehicle according to the running track of the commercial vehicle;
the operation cost determination module is used for determining the operation cost of the operation vehicle according to the static data, the operation parameters and a pre-constructed cost calculation model of the operation vehicle, wherein the operation cost comprises oil expenses, maintenance expenses, wear depreciation expenses, high-speed expenses and insurance expenses;
and the credit granting data determining module is used for determining the credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle.
According to the technical scheme provided by the embodiment of the invention, the operation parameters of the commercial vehicle are determined according to the running track of the commercial vehicle, the operation cost of the commercial vehicle is determined according to the static data, the operation parameters and the cost calculation model of the commercial vehicle, and the credit granting data of the commercial vehicle is determined according to the operation cost of the commercial vehicle.
Drawings
FIG. 1 is a flowchart illustrating a vehicle financial credit granting method according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a vehicle financial credit granting method according to an embodiment of the present invention;
fig. 3 is a structural diagram of a vehicle financial credit granting device according to a first embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a vehicle financial credit granting method according to an embodiment of the present invention. The method of the embodiment may be performed by a vehicle financial credit device, which may be implemented by hardware and/or software. Referring to fig. 1, the vehicle financial crediting method provided in this embodiment may specifically include the following steps:
and 11, acquiring static data of the commercial vehicle.
In this embodiment, the static data of the commercial vehicle may include at least one of a vehicle model, a brand, a load, a fuel consumption per kilometer of the commercial vehicle at different speeds per hour, an oil price per different region, a type of fuel required for the vehicle, a maintenance per kilometer, a tire loss per kilometer, a number of vehicle axles, a number of tires, and a total mass of the vehicle. Further, national highway charging standards can be obtained.
And step 12, determining the operation parameters of the commercial vehicle according to the running track of the commercial vehicle.
Specifically, the travel track of the commercial vehicle is collected by a track collection device provided in the commercial vehicle, and the travel track is collected at regular time intervals of 30s, for example. The driving information and driving habits of the vehicle can be determined by analyzing the driving track, and the driving track can visually show the refueling, maintenance and other POI (Point of Interest) parking information of the vehicle. Thus, at least one of the operating parameters such as the driving distance, the type of the driving road, the driving speed, the area where the vehicle is driven, the area where the vehicle is refueled, the type of the gas station, the driving distance in different areas and the driving distance on different highways can be determined according to the driving track of the operating vehicle.
And step 13, determining the operation cost of the commercial vehicle according to the static data, the operation parameters and a pre-constructed cost calculation model of the commercial vehicle, wherein the operation cost comprises oil expenses, maintenance expenses, wear depreciation expenses, high-speed expenses and insurance expenses.
In the present embodiment, the cost calculation model is used to calculate the operation costs such as oil cost, maintenance cost, wear depreciation cost, high-speed cost, and insurance cost of the operating vehicle. The training of the cost calculation model may include: and taking static data, operation parameters and operation cost of a large number of operating vehicles as sample data of the cost calculation model, and obtaining the cost calculation model through machine learning training. Specifically, for each commercial vehicle, the static data and the operation parameters of the commercial vehicle are used as input data of a cost calculation model, and the cost calculation model determines the operation cost of the commercial vehicle according to the input data.
The cost calculation model may directly calculate and output the operating cost of the commercial vehicle, or may calculate and output the oil cost, the maintenance cost, the wear depreciation cost, the high-speed cost, and the insurance cost of the commercial vehicle, respectively.
And step 14, determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle.
The operation cost of the commercial vehicle is positively correlated with the profit capacity of the commercial vehicle, for example, the operation cost/profit coefficient is profit, wherein the profit coefficient is less than 1 and greater than 0, so the operation cost of the commercial vehicle is positively correlated with the credit granting data of the commercial vehicle, and the credit granting data of the commercial vehicle determined according to the operation cost has high matching degree with the repayment capacity of the user.
According to the technical scheme, the operation parameters of the commercial vehicle are determined according to the running track of the commercial vehicle, the operation cost of the commercial vehicle is determined according to the static data, the operation parameters and the cost calculation model of the commercial vehicle, the credit granting data of the commercial vehicle is determined according to the operation cost of the commercial vehicle, and due to the fact that the operation cost of the commercial vehicle is positively correlated with the profitability of the commercial vehicle, namely the operation cost is positively correlated with the repayment capacity of a user to which the commercial vehicle belongs, high matching degree exists between the credit granting data determined according to the operation cost and the repayment capacity of the user, and user experience is improved.
For example, determining the fuel cost of the commercial vehicle according to the static data of the commercial vehicle, the operating parameters and the pre-constructed cost calculation model may include: inputting at least one static data of the model, the brand, the load, the oil consumption per kilometer of the commercial vehicle at different speed per hour, the oil price in different areas and the type of fuel required by the vehicle, and at least one operation parameter of the driving mileage, the type of driving road, the driving speed, the area where the vehicle is driven, the area where the vehicle is refueled and the type of gas station of the commercial vehicle into the cost calculation model; and acquiring the oil fee of the commercial vehicle determined by the cost calculation model.
Illustratively, determining the maintenance fee of the commercial vehicle according to the static data, the operation parameters and the pre-constructed cost calculation model of the commercial vehicle comprises: inputting the maintenance, driving mileage and driving mileage of the operating vehicle per kilometer into the cost calculation model; and obtaining the maintenance cost of the commercial vehicle determined by the cost calculation model.
Illustratively, determining the wear depreciation cost of the commercial vehicle based on the static data of the commercial vehicle, the operating parameters and a pre-constructed cost calculation model comprises: inputting at least one of static data of tire loss per kilometer, vehicle axle number and tire number of the commercial vehicle and at least one of operation parameters of mileage, area where the commercial vehicle is driven and road type of the commercial vehicle into the cost calculation model; and acquiring the wear depreciation fee of the commercial vehicle determined by the cost calculation model.
Illustratively, determining the high-speed fee of the commercial vehicle according to the static data, the operating parameters and the pre-constructed cost calculation model of the commercial vehicle comprises: inputting at least one of static data of highway charging standards, total vehicle mass and vehicle axle number of the commercial vehicle, and driving mileage of the commercial vehicle on different highways into the cost calculation model; and acquiring the high-speed fee of the commercial vehicle determined by the cost calculation model.
Illustratively, determining the premium of the commercial vehicle based on the static data, the operating parameters and the pre-constructed cost calculation model of the commercial vehicle comprises: inputting at least one of static data of a vehicle brand model, a value and an industry mean of the commercial vehicle and at least one of dynamic data of an insurance frequency and an insurance type of the commercial vehicle into the cost calculation model; and acquiring insurance premiums of the commercial vehicles determined by the cost calculation model.
According to the scheme, track data are innovatively introduced into financial credit, and vehicle static data are combined, so that the oil cost, the maintenance cost, the wear depreciation cost, the high-speed cost and the insurance cost of the vehicle are effectively and accurately calculated, namely the operation cost of the vehicle is effectively and accurately calculated, the accuracy of the operation cost is improved, and the matching degree between credit data and the repayment capacity of a user is improved.
Example two
On the basis of the first embodiment, the embodiment provides a new vehicle financial credit granting method. Fig. 2 is a flowchart of a vehicle financial credit granting method according to a second embodiment of the present invention. Referring to fig. 2, the vehicle financial crediting method provided in this embodiment may specifically include the following steps:
and step 21, acquiring static data of the commercial vehicle.
and step 23, determining the operation cost of the commercial vehicle according to the static data, the operation parameters and a pre-constructed cost calculation model of the commercial vehicle.
Wherein the operating costs include oil expenses, maintenance expenses, wear depreciation expenses, high speed expenses, and insurance expenses.
And 24, determining credit granting data of the commercial vehicle according to the operating cost of the commercial vehicle.
Illustratively, step 24 includes: and determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle and a mapping relation between the operation cost and the credit granting grade which is constructed in advance.
Specifically, an operation cost range to which the operation cost belongs can be determined, a credit granting grade corresponding to the operation cost is determined according to a mapping relation between the operation cost range and the credit granting grade, and credit granting data associated with the credit granting grade is determined as credit granting data of the operation vehicle. It should be noted that the credit granting data may also be directly determined according to a numerical relationship between the operation cost and the credit granting data.
And 25, re-determining the operation cost of the commercial vehicle, and determining the credit granting safety degree of the commercial vehicle according to the new operation cost.
Specifically, after the credit granting data is determined, the driving track of the commercial vehicle is continuously acquired, the operating parameters are updated, the operating cost of the commercial vehicle is updated according to the static data of the commercial vehicle and the updated operating parameters, and then the credit granting safety degree of the commercial vehicle is determined according to the new operating cost, for example, the new operating cost is positively correlated with the credit granting safety degree of the commercial vehicle.
In the operation process of operating the vehicle, the credit granting safety degree is determined by updating the operation cost of the operating vehicle, so that a credit granting party can conveniently obtain the credit granting safety degree of the operating vehicle after granting credit, and compared with the method that the credit granting of the operating vehicle is determined only at the time points of credit granting, loan, payment and the like at present, the method is beneficial to the credit granting party to know the operation condition of the vehicle instead, and communication between the credit granting party and a user is increased.
And step 26, if the credit authorization security degree of the commercial vehicle is lower than a preset credit authorization security degree threshold value, sending an alarm prompt to a credit authorization party.
By timely early warning of repayment risks caused by factors such as poor vehicle operation in the loan process, the credit granting party can conveniently and timely know the safety degree of the loan.
According to the technical scheme provided by the embodiment, after the credit granting data is determined according to the operation cost of the commercial vehicle, the operation cost of the commercial vehicle is updated, the credit granting safety degree of the commercial vehicle is determined according to the new operation cost, and if the credit granting safety degree of the commercial vehicle is lower than the preset credit granting safety degree threshold, a warning prompt is sent to a credit granting party. The low credit granting safety degree is determined, so that the credit granting party can know the operation condition of the vehicle alternatively, communication between the credit granting party and the user is increased, and the credit granting party can know the safety degree of the loan in time by timely early warning the repayment risk caused by factors such as poor vehicle operation in the loan process.
EXAMPLE III
The embodiment provides a vehicle financial credit granting device. Fig. 3 is a structural diagram of a vehicle financial credit authorization device according to a third embodiment of the present invention, and as shown in fig. 3, the vehicle financial credit authorization device may include:
a static data acquisition module 31 for acquiring static data of the commercial vehicle;
an operation parameter determination module 32, configured to determine an operation parameter of the commercial vehicle according to a running track of the commercial vehicle;
an operation cost determination module 33, configured to determine an operation cost of the operating vehicle according to static data of the operating vehicle, operation parameters, and a pre-constructed cost calculation model, where the operation cost includes oil cost, maintenance cost, wear depreciation cost, high-speed cost, and insurance cost;
and the credit granting data determining module 34 is configured to determine credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle.
Illustratively, the trust data determining module 34 may be specifically configured to:
and determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle and a mapping relation between the operation cost and the credit granting grade which is constructed in advance.
Illustratively, the apparatus may further include: and the credit granting safety degree module is used for re-determining the operation cost of the commercial vehicle after determining the credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle, and determining the credit granting safety degree of the commercial vehicle according to the new operation cost.
Illustratively, the apparatus may further include: and the alarm module is used for sending an alarm prompt to a credit granting party if the credit granting safety degree of the commercial vehicle is lower than a preset credit granting safety degree threshold value after the credit granting safety degree of the commercial vehicle is determined according to the new operation cost.
Illustratively, the operation cost determination module 33 may be specifically configured to:
inputting at least one static data of the model, the brand, the load, the oil consumption per kilometer of the commercial vehicle at different speed per hour, the oil price in different areas and the type of fuel required by the vehicle, and at least one operation parameter of the driving mileage, the type of driving road, the driving speed, the area where the vehicle is driven, the area where the vehicle is refueled and the type of gas station of the commercial vehicle into the cost calculation model;
and acquiring the oil fee of the commercial vehicle determined by the cost calculation model.
Illustratively, the operation cost determination module 33 may be specifically configured to:
inputting the maintenance, driving mileage and driving mileage of the operating vehicle per kilometer into the cost calculation model;
and obtaining the maintenance cost of the commercial vehicle determined by the cost calculation model.
Illustratively, the operation cost determination module 33 may be specifically configured to:
inputting at least one of static data of tire loss per kilometer, vehicle axle number and tire number of the commercial vehicle and at least one of operation parameters of mileage, area where the commercial vehicle is driven and road type of the commercial vehicle into the cost calculation model;
and acquiring the wear depreciation fee of the commercial vehicle determined by the cost calculation model.
Illustratively, the operation cost determination module 33 may be specifically configured to:
inputting at least one of static data of highway charging standards, total vehicle mass and vehicle axle number of the commercial vehicle, and driving mileage of the commercial vehicle on different highways into the cost calculation model;
and acquiring the high-speed fee of the commercial vehicle determined by the cost calculation model.
Illustratively, the operation cost determination module 33 may be specifically configured to:
inputting at least one of static data of a vehicle brand model, a value and an industry mean of the commercial vehicle and at least one of dynamic data of an insurance frequency and an insurance type of the commercial vehicle into the cost calculation model;
and acquiring insurance premiums of the commercial vehicles determined by the cost calculation model.
The vehicle financial credit granting device provided by the embodiment of the invention belongs to the same concept as the vehicle financial credit granting method provided by any embodiment of the invention, can execute the vehicle financial credit granting method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of executing the vehicle financial credit granting method. For technical details not described in detail in the present embodiment, reference may be made to a vehicle financial crediting method provided in any embodiment of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (9)
1. A vehicle financial crediting method, comprising:
acquiring static data of commercial vehicles;
determining operation parameters of the commercial vehicle according to the running track of the commercial vehicle;
determining the operation cost of the commercial vehicle according to the static data, the operation parameters and a pre-constructed cost calculation model of the commercial vehicle, wherein the operation cost comprises oil charge, maintenance charge, wear depreciation charge, high-speed charge and insurance charge;
determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle;
after the credit granting data of the commercial vehicle is determined according to the operation cost of the commercial vehicle, the method comprises the following steps:
and re-determining the operation cost of the commercial vehicle, and determining the credit granting safety degree of the commercial vehicle according to the new operation cost.
2. The method of claim 1, wherein determining credit data for the commercial vehicle based on the operating cost of the commercial vehicle comprises:
and determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle and a mapping relation between the operation cost and the credit granting grade which is constructed in advance.
3. The method of claim 1, wherein determining the trust security of the commercial vehicle based on the new operating cost comprises:
and if the credit authorization safety degree of the commercial vehicle is lower than a preset credit authorization safety degree threshold value, sending an alarm prompt to a credit authorization party.
4. The method of claim 1, wherein determining the fuel cost of the commercial vehicle based on static data, operating parameters, and a pre-constructed cost calculation model of the commercial vehicle comprises:
inputting at least one static data of the model, the brand, the load, the oil consumption per kilometer of the commercial vehicle at different speed per hour, the oil price in different areas and the type of fuel required by the vehicle, and at least one operation parameter of the driving mileage, the type of driving road, the driving speed, the area where the vehicle is driven, the area where the vehicle is refueled and the type of gas station of the commercial vehicle into the cost calculation model;
and acquiring the oil fee of the commercial vehicle determined by the cost calculation model.
5. The method of claim 1, wherein determining a maintenance fee for the commercial vehicle based on the static data, the operating parameters, and the pre-constructed cost calculation model of the commercial vehicle comprises:
inputting the maintenance, driving mileage and driving mileage of the operating vehicle per kilometer into the cost calculation model;
and obtaining the maintenance cost of the commercial vehicle determined by the cost calculation model.
6. The method of claim 1, wherein determining the degradation cost of the commercial vehicle based on static data of the commercial vehicle, operating parameters, and a pre-constructed cost calculation model comprises:
inputting at least one of static data of tire loss per kilometer, vehicle axle number and tire number of the commercial vehicle and at least one of operation parameters of mileage, area where the commercial vehicle is driven and road type of the commercial vehicle into the cost calculation model;
and acquiring the wear depreciation fee of the commercial vehicle determined by the cost calculation model.
7. The method of claim 1, wherein determining the high speed rate for the commercial vehicle based on static data, operating parameters, and a pre-constructed cost calculation model of the commercial vehicle comprises:
inputting at least one of static data of highway charging standards, total vehicle mass and vehicle axle number of the commercial vehicle, and driving mileage of the commercial vehicle on different highways into the cost calculation model;
and acquiring the high-speed fee of the commercial vehicle determined by the cost calculation model.
8. The method of claim 1, wherein determining the premiums of the commercial vehicle based on static data of the commercial vehicle, the operating parameters, and a pre-constructed cost calculation model comprises:
inputting at least one of static data of a vehicle brand model, a value and an industry mean of the commercial vehicle and at least one of dynamic data of an insurance frequency and an insurance type of the commercial vehicle into the cost calculation model;
and acquiring insurance premiums of the commercial vehicles determined by the cost calculation model.
9. A vehicle financial credit device, comprising:
the static data acquisition module is used for acquiring static data of the commercial vehicle;
the operation parameter determination module is used for determining operation parameters of the commercial vehicle according to the running track of the commercial vehicle;
the operation cost determination module is used for determining the operation cost of the operation vehicle according to the static data, the operation parameters and a pre-constructed cost calculation model of the operation vehicle, wherein the operation cost comprises oil expenses, maintenance expenses, wear depreciation expenses, high-speed expenses and insurance expenses;
the credit granting data determining module is used for determining credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle;
and the credit granting safety degree module is used for re-determining the operation cost of the commercial vehicle after determining the credit granting data of the commercial vehicle according to the operation cost of the commercial vehicle, and determining the credit granting safety degree of the commercial vehicle according to the new operation cost.
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| CN111445122A (en) * | 2020-03-25 | 2020-07-24 | 上海盔甲网络科技有限公司 | Systematic management scheme for vehicle operation wind control |
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| CN103150675A (en) * | 2013-01-30 | 2013-06-12 | 郁佳敏 | Risk monitoring system of automobile insurance |
| CN104575063A (en) * | 2014-12-26 | 2015-04-29 | 北京中交兴路车联网科技有限公司 | Pre-warning method for vehicle |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103150675A (en) * | 2013-01-30 | 2013-06-12 | 郁佳敏 | Risk monitoring system of automobile insurance |
| CN104575063A (en) * | 2014-12-26 | 2015-04-29 | 北京中交兴路车联网科技有限公司 | Pre-warning method for vehicle |
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